Esquire Financial Holdings Inc (ESQ) - Net Assets
Based on the latest financial reports, Esquire Financial Holdings Inc (ESQ) has net assets worth $289.60 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.37 Billion) and total liabilities ($2.08 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Esquire Financial Holdings Inc (ESQ) asset resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $289.60 Million |
| % of Total Assets | 12.24% |
| Annual Growth Rate | 20.12% |
| 5-Year Change | 101.48% |
| 10-Year Change | 454.93% |
| Growth Volatility | 217.79 |
Esquire Financial Holdings Inc - Net Assets Trend (2014–2025)
This chart illustrates how Esquire Financial Holdings Inc's net assets have evolved over time, based on quarterly financial data. Also explore ESQ total asset value for the complete picture of this company's asset base.
Annual Net Assets for Esquire Financial Holdings Inc (2014–2025)
The table below shows the annual net assets of Esquire Financial Holdings Inc from 2014 to 2025. For live valuation and market cap data, see Esquire Financial Holdings Inc stock valuation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $289.60 Million | +22.14% |
| 2024-12-31 | $237.09 Million | +19.41% |
| 2023-12-31 | $198.56 Million | +25.54% |
| 2022-12-31 | $158.16 Million | +10.03% |
| 2021-12-31 | $143.74 Million | -84.65% |
| 2020-12-31 | $936.66 Million | +17.39% |
| 2019-12-31 | $797.92 Million | +760.07% |
| 2018-12-31 | $92.77 Million | +11.26% |
| 2017-12-31 | $83.38 Million | +59.78% |
| 2016-12-31 | $52.19 Million | +5.59% |
| 2015-12-31 | $49.42 Million | +28.24% |
| 2014-12-31 | $38.54 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Esquire Financial Holdings Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 20760741800.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $197.79 Million | 68.30% |
| Common Stock | $87.00K | 0.03% |
| Other Comprehensive Income | $-8.49 Million | -2.93% |
| Other Components | $100.21 Million | 34.60% |
| Total Equity | $289.60 Million | 100.00% |
Esquire Financial Holdings Inc Competitors by Market Cap
The table below lists competitors of Esquire Financial Holdings Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
TOA PAINT (THAILAND)
BK:TOA-R
|
$924.49 Million |
|
King-Strong New Material Technology Co Ltd
SHE:300629
|
$924.56 Million |
|
Yutong Heavy Industries Co Ltd
SHG:600817
|
$924.76 Million |
|
QITIAN Technology Group Co Ltd
SHE:300061
|
$924.78 Million |
|
Ganzhou Yihao New Materials Co. Ltd. A
SHE:301176
|
$924.03 Million |
|
Haesung DS Co Ltd
KO:195870
|
$923.96 Million |
|
Changchun Engley Automobile Industry Co.Ltd.
SHG:601279
|
$923.56 Million |
|
AXISCADES Technologies Limited
NSE:AXISCADES
|
$923.53 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Esquire Financial Holdings Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 237,094,000 to 289,598,000, a change of 52,504,000 (22.1%).
- Net income of 50,854,000 contributed positively to equity growth.
- Dividend payments of 5,861,000 reduced retained earnings.
- Other comprehensive income increased equity by 5,798,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $50.85 Million | +17.56% |
| Dividends Paid | $5.86 Million | -2.02% |
| Other Comprehensive Income | $5.80 Million | +2.0% |
| Other Changes | $1.71 Million | +0.59% |
| Total Change | $- | 22.14% |
Book Value vs Market Value Analysis
This analysis compares Esquire Financial Holdings Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.22x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 10.19x to 3.22x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2014-12-31 | $10.50 | $107.01 | x |
| 2015-12-31 | $9.82 | $107.01 | x |
| 2016-12-31 | $10.40 | $107.01 | x |
| 2017-12-31 | $13.36 | $107.01 | x |
| 2018-12-31 | $12.00 | $107.01 | x |
| 2019-12-31 | $102.50 | $107.01 | x |
| 2020-12-31 | $122.54 | $107.01 | x |
| 2021-12-31 | $18.09 | $107.01 | x |
| 2022-12-31 | $19.51 | $107.01 | x |
| 2023-12-31 | $23.79 | $107.01 | x |
| 2024-12-31 | $27.94 | $107.01 | x |
| 2025-12-31 | $33.25 | $107.01 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Esquire Financial Holdings Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 17.56%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 30.91%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 8.17x
- Recent ROE (17.56%) is above the historical average (9.33%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 0.11% | 0.35% | 0.04x | 8.58x | $-3.81 Million |
| 2015 | 2.37% | 7.61% | 0.04x | 7.14x | $-3.77 Million |
| 2016 | 5.41% | 13.91% | 0.05x | 8.14x | $-2.40 Million |
| 2017 | 4.37% | 14.06% | 0.05x | 6.40x | $-4.69 Million |
| 2018 | 9.41% | 23.73% | 0.06x | 7.16x | $-543.40K |
| 2019 | 1.77% | 29.18% | 0.06x | 1.00x | $-65.65 Million |
| 2020 | 1.35% | 23.68% | 0.06x | 1.00x | $-81.05 Million |
| 2021 | 12.47% | 27.34% | 0.06x | 8.20x | $3.55 Million |
| 2022 | 18.03% | 33.19% | 0.06x | 8.82x | $12.70 Million |
| 2023 | 20.65% | 37.63% | 0.07x | 8.14x | $21.16 Million |
| 2024 | 18.41% | 31.57% | 0.07x | 7.98x | $19.95 Million |
| 2025 | 17.56% | 30.91% | 0.07x | 8.17x | $21.89 Million |
Industry Comparison
This section compares Esquire Financial Holdings Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Esquire Financial Holdings Inc (ESQ) | $289.60 Million | 0.11% | 7.17x | $924.22 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Esquire Financial Holdings Inc
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company provides checking, savings, money market, and time deposits, as well as certificates of deposit. It also offers commercial loans, such… Read more